Participating ALO and On stores have a KTC campaign from 15 September 2026 to 31 January 2027. One route redeems KTC FOREVER points equal to the purchase amount for 13 percent cashback, with same-day registration and no stated cashback cap.
The alternative uses points for 20, 40 or 50 percent of a purchase of at least THB 1,500, then places the balance on zero-percent instalments for three, six or ten months. The two routes cannot be combined, so calculate the points cost and repayment plan before the cashier closes the sale.
How The Offer Works
Choose either the cashback route or the points-plus-instalment route before payment. For cashback, redeem points equal to the eligible spend and complete the required same-day registration. For instalments, choose the published points share and matching term. Confirm the eligible card, item and transaction route before the merchant closes the bill. A campaign image does not establish that every card, product, branch or payment channel qualifies.
Conditions That Matter
The campaign runs 15 September 2026 to 31 January 2027 at participating ALO and On stores. The instalment route requires at least THB 1,500. The two benefits cannot be combined, and refunds can reverse points or cashback. Keep the itemised receipt and card record until the benefit is settled. If the live checkout differs from the published mechanic, resolve the discrepancy before payment.
Is It Good Value
The cashback route demands a large number of points, while the instalment route gives up points and extends repayment. Compare point value, retail price and the ability to pay the balance in full before treating either route as a saving. Compare the final payable amount with the best realistic alternative, including taxes, fees and the value of any points surrendered. Never spend more merely to trigger a nominal saving.
Plan The Purchase
Check that the exact store and item participate, compare the brand’s live price elsewhere, and ask staff to show the points, charge, term and registration step. Keep evidence until cashback posts or the instalment schedule is correct. Recheck the campaign on the transaction date because quotas, availability and operating details can change. Ask a precise question before paying and keep the answer with the receipt.
Protect The Benefit
Use ALO and On only when the underlying purchase already makes sense. Pay the card balance in full and on time so interest does not overwhelm the saving. Do not split or restructure transactions unless the live conditions expressly allow it. A refund, cancellation or chargeback may reverse the discount or reward. Photograph the final conditions or save the issuer page on the purchase date, then reconcile the receipt, points and later credit against the promised mechanic.
Practical Information
- Campaign: 15 September 2026 to 31 January 2027.
- Cashback route: Redeem points equal to spend for 13 percent cashback; same-day registration required.
- Instalment route: Use points for 20, 40 or 50 percent, then 0 percent for 3, 6 or 10 months.
- Minimum: THB 1,500 for the instalment route.
- Map: Open in Google Maps
Questions
Can I combine cashback and instalments?
No. Choose one route.
Is the cashback automatic?
No. The points redemption and same-day registration are required.
Does the instalment route have a minimum?
Yes, THB 1,500.
Should I use instalments if I cannot afford the item?
No. A zero-percent term does not make an unaffordable purchase good value.